HDFC
HDFC Bank Infinia Credit Card
Super-premium card · strong domestic lounge · international details not available · fee waiver achievable around ₹10L annual spend · 2% forex markup.
- Good for travel 2% forex · unlimited lounge
- Moderate forex 2% forex markup
- Strong lounge access Unlimited domestic lounge access
Annual fee ₹12,500 per year
Forex markup 2% high
Lounge access ∞ unlimited domestic
Rewards / ₹100 3.3 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500
- Forex markup
- 2%
- Lounge access
- Unlimited domestic lounge
- Reward rate
- 3.3 pts / ₹100
What you'd do with it
- Best for frequent domestic airport travel where unlimited lounge access matters.
- Less suited to international transactions because forex markup is 2%.
Best for
- Good for travel
- Strong lounge access
Not the best for
- High annual fee (₹12,500)
- High forex markup (2%)
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver is on file at ₹10,00,000 annual spend.
- Forex markup is low at 2%.
- Lounge access is on file.
Watch out for
- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires ₹10,00,000 annual spend.
- Reward value is not fully resolved in the current snapshot.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,670 pts/month (base earn)
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- Unlimited
- International visits
- Not available in current snapshot
Rewards
- Points per ₹150
- 5 pts
Fees & charges
Fees
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500
- Fee waiver spend
- ₹10,00,000
International Use
- Forex markup
- 2%
- Product tier
- Super-premium
Annual fee break-even math
When does this card pay for itself ₹15L
yearly spend to offset ₹12,500 fee
At base earn rates, you need roughly ₹15L in yearly spend to offset the ₹12,500 annual fee.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge is on file in the latest refinery snapshot.